Don't kid yourself. Even here in the Bay Area, $400K a year is still upper middle class. You'd be in the top 3% of earners across the nine bay area counties.
Again, you're kidding yourself. Even if you bought a new house today with no existing equity, you could easily afford $11K a month in mortgage. That's a house that's over $2M. And still have $10K a month left for other expenses.
